Private health insurance

[preferasausagedog]

I’m just wondering about people’s experience of private family health insurance?

Any recommendations, tips advise?

Thanks in advance!

Highly recommend AXA - use them a lot through work policy, and they’ve always been great.

Big word of warning though - when shopping around, do check the levels of cover on offer. In my experience they can really vary greatly.

Depends on the policy - get one with a big company with no excess and all included a company dedicated phone number, it’s good.
The worst so far is Vitality - very poor customer service, they do everything they can to avoid paying a claim.

I don’t pay (my dh’s employer does) but AXA are pretty good to deal with.
currently pursuing an adhd diagnosis for my son which they will pay for and I had a minor operation last week for something relatively small which would probably never be possible on the nhs

I’m usually on hold for a while when I call but they are very good once you get through

you can get referrals easily via their digital gp service which runs 7 days a week

I’ve had Bupa and Vitality, I have claimed with Vitality and it was no issues,

your biggest question will be underwriting, I continued my policy after leaving an employer who provided medical history disregarded, it costs me more but covers any pre existing conditions I may have had when the policy started so my cover is based on the individual companies terms and conditions and not my own medical history

if you starting as an individual however you will be either fully medically underwritten or moratorium in most cases,

fully medical underwriting means you need to tell them everything upfront and they may choose to give you specific exclusions on your plan, may also mean if you try and claim in first year or so they will want evidence you’ve not lied on your application basically and that this condition didn’t exist when you took it out

moratorium varies from company to company but ultimately you can be covered for conditions you may have today as long as you go so many years with no treatment mediation including over the counter or advice from a professional,

if you have a medical condition now, expect it not to be covered if your looking at personal plans and if you claim, expect the price to go up!

call a broker, you may know someone who deals in PMI but i have used active quote in the past, they can give advised selling so we’re able to assist me when i wanted to see about saving money on my renewal

Had awful experiences with AXA lately - would not recommend!